## Reading layer `DEPARTMENTS' from data source 
##   `C:\Users\benji\Desktop\projet_actuariat_non_vie\data\DEPARTEMENTS\DEPARTMENTS.shp' 
##   using driver `ESRI Shapefile'
## Simple feature collection with 96 features and 1 field
## Geometry type: MULTIPOLYGON
## Dimension:     XY
## Bounding box:  xmin: 99217.1 ymin: 6049680 xmax: 1242375 ymax: 7110480
## Projected CRS: RGF93 / Lambert-93
summary(data_freq)
##    id_year           id_policy            drv_age1       drv_age_lic1  
##  Length:100000      Length:100000      Min.   : 19.00   Min.   : 0.00  
##  Class :character   Class :character   1st Qu.: 43.00   1st Qu.:23.00  
##  Mode  :character   Mode  :character   Median : 54.00   Median :32.00  
##                                        Mean   : 54.69   Mean   :32.41  
##                                        3rd Qu.: 65.00   3rd Qu.:41.00  
##                                        Max.   :100.00   Max.   :72.00  
##                                                                        
##    drv_sex1            drv_age2      drv_age_lic2      drv_sex2        
##  Length:100000      Min.   : 0.00   Min.   : 0.000   Length:100000     
##  Class :character   1st Qu.: 0.00   1st Qu.: 0.000   Class :character  
##  Mode  :character   Median : 0.00   Median : 0.000   Mode  :character  
##                     Mean   :15.62   Mean   : 8.979                     
##                     3rd Qu.:34.00   3rd Qu.:14.000                     
##                     Max.   :97.00   Max.   :79.000                     
##                                                                        
##    drv_drv2          id_client             vh_age           vh_cyl    
##  Length:100000      Length:100000      Min.   : 1.000   Min.   :   0  
##  Class :character   Class :character   1st Qu.: 4.000   1st Qu.:1360  
##  Mode  :character   Mode  :character   Median : 8.000   Median :1587  
##                                        Mean   : 9.533   Mean   :1646  
##                                        3rd Qu.:13.000   3rd Qu.:1910  
##                                        Max.   :63.000   Max.   :6997  
##                                                                       
##      vh_din         vh_fuel            vh_make            vh_model        
##  Min.   : 13.00   Length:100000      Length:100000      Length:100000     
##  1st Qu.: 68.00   Class :character   Class :character   Class :character  
##  Median : 89.00   Mode  :character   Mode  :character   Mode  :character  
##  Mean   : 91.41                                                           
##  3rd Qu.:109.00                                                           
##  Max.   :555.00                                                           
##                                                                           
##  vh_sale_begin    vh_sale_end        vh_speed       vh_type         
##  Min.   : 1.00   Min.   : 1.000   Min.   : 25.0   Length:100000     
##  1st Qu.: 6.00   1st Qu.: 4.000   1st Qu.:157.0   Class :character  
##  Median :10.00   Median : 7.000   Median :170.0   Mode  :character  
##  Mean   :11.63   Mean   : 8.656   Mean   :170.8                     
##  3rd Qu.:15.00   3rd Qu.:12.000   3rd Qu.:185.0                     
##  Max.   :74.00   Max.   :55.000   Max.   :310.0                     
##                                                                     
##     vh_value        vh_weight     id_vehicle          pol_bonus     
##  Min.   :     0   Min.   :   0   Length:100000      Min.   :0.5000  
##  1st Qu.: 11950   1st Qu.: 950   Class :character   1st Qu.:0.5000  
##  Median : 16297   Median :1130   Mode  :character   Median :0.5000  
##  Mean   : 18064   Mean   :1128                      Mean   :0.5375  
##  3rd Qu.: 22150   3rd Qu.:1320                      3rd Qu.:0.5000  
##  Max.   :155498   Max.   :3500                      Max.   :1.6500  
##                                                                     
##  pol_coverage        pol_duration   pol_sit_duration pol_pay_freq      
##  Length:100000      Min.   : 1.00   Min.   : 1.000   Length:100000     
##  Class :character   1st Qu.: 4.00   1st Qu.: 1.000   Class :character  
##  Mode  :character   Median : 9.00   Median : 2.000   Mode  :character  
##                     Mean   :11.08   Mean   : 2.748                     
##                     3rd Qu.:16.00   3rd Qu.: 3.000                     
##                     Max.   :41.00   Max.   :25.000                     
##                                                                        
##    pol_payd          pol_usage         pol_insee_code         DEP           
##  Length:100000      Length:100000      Length:100000      Length:100000     
##  Class :character   Class :character   Class :character   Class :character  
##  Mode  :character   Mode  :character   Mode  :character   Mode  :character  
##                                                                             
##                                                                             
##                                                                             
##                                                                             
##       REG        REG_LABEL         departement           densite     
##  Min.   :11.0   Length:100000      Length:100000      Min.   :   15  
##  1st Qu.:28.0   Class :character   Class :character   1st Qu.:   79  
##  Median :52.0   Mode  :character   Mode  :character   Median :  158  
##  Mean   :52.2                                         Mean   : 1186  
##  3rd Qu.:76.0                                         3rd Qu.:  239  
##  Max.   :94.0                                         Max.   :20720  
##                                                                      
##     bonus            drv_age1_G1     drv_age1_G2      drv_age1_G3   
##  Length:100000      (50,60]:23886   (50,55]:12478   (17,25] : 1490  
##  Class :character   (40,50]:21074   (60,65]:11425   (25,45] :27713  
##  Mode  :character   (60,70]:19130   (55,60]:11408   (45,65] :46508  
##                     (30,40]:14552   (45,50]:11197   (65,80] :19937  
##                     (70,80]:12232   (40,45]: 9877   (80,100]: 4352  
##                     (20,30]: 4604   (35,40]: 8883                   
##                     (Other): 4522   (Other):34732                   
##  drv_age_lic1_G   drv_age2_G1     drv_age2_G2      drv_age2_G3   
##  (-1,3] :  354   (30,40]: 7314   (35,40]: 4181   (17,25] : 3601  
##  (3,5]  :  484   (40,50]: 6480   (17,25]: 3601   (25,45] :13006  
##  (5,100]:99162   (50,60]: 5840   (40,45]: 3465   (45,65] :11796  
##                  (60,70]: 4904   (30,35]: 3133   (65,80] : 4311  
##                  (20,30]: 4843   (50,55]: 3109   (80,100]:  559  
##                  (Other): 3892   (Other):15784   NA's    :66727  
##                  NA's   :66727   NA's   :66727                   
##  drv_age_lic2_G    vh_age_G1        vh_age_G2        vh_age_G3    
##  (-1,3] :69345   (-1,0] :    0   (-1,10] :62097   (10,100]:37903  
##  (3,5]  : 1012   (0,5]  :33160   (10,20] :30682   (1,2]   : 7631  
##  (5,100]:29643   (5,100]:66840   (20,100]: 7221   (0,1]   : 6805  
##                                                   (2,3]   : 6471  
##                                                   (5,6]   : 6344  
##                                                   (3,4]   : 6145  
##                                                   (Other) :28701  
##         vh_value_G1           vh_value_G2           vh_value_G3   
##  (1e+04,2e+04]:54088   (-1,5e+04]   :99225   (-1,1e+04]   :12430  
##  (2e+04,3e+04]:25512   (5e+04,1e+05]:  744   (1e+04,2e+04]:54088  
##  (-1,1e+04]   :12430   (1e+05,Inf]  :   31   (2e+04,3e+04]:25512  
##  (3e+04,4e+04]: 5904                         (3e+04,4e+04]: 5904  
##  (4e+04,5e+04]: 1291                         (4e+04,5e+04]: 1291  
##  (5e+04,6e+04]:  514                         (5e+04,Inf]  :  775  
##  (Other)      :  261                                              
##    risk_class      risk_class_G vh_cyl_G   vh_make_G            Ldensite    
##  Min.   :  1.496   1:20130      1:42919   Length:100000      Min.   :2.708  
##  1st Qu.:  4.600   2:19879      2:57081   Class :character   1st Qu.:4.369  
##  Median :  5.257   3:20318                Mode  :character   Median :5.063  
##  Mean   :  8.304   4:19750                                   Mean   :5.284  
##  3rd Qu.:  6.105   5:19923                                   3rd Qu.:5.476  
##  Max.   :180.565                                             Max.   :9.939  
##                                                                             
##    Lvh_value        Lvh_weight       Lvh_cyl         claim_nb     
##  Min.   :  -Inf   Min.   : -Inf   Min.   : -Inf   Min.   :0.0000  
##  1st Qu.: 9.388   1st Qu.:6.856   1st Qu.:7.215   1st Qu.:0.0000  
##  Median : 9.699   Median :7.030   Median :7.370   Median :0.0000  
##  Mean   :  -Inf   Mean   : -Inf   Mean   : -Inf   Mean   :0.1336  
##  3rd Qu.:10.006   3rd Qu.:7.185   3rd Qu.:7.555   3rd Qu.:0.0000  
##  Max.   :11.954   Max.   :8.161   Max.   :8.853   Max.   :5.0000  
## 
summary(data_claims)
##   id_policy          id_client          id_vehicle          id_year         
##  Length:12921       Length:12921       Length:12921       Length:12921      
##  Class :character   Class :character   Class :character   Class :character  
##  Mode  :character   Mode  :character   Mode  :character   Mode  :character  
##                                                                             
##                                                                             
##                                                                             
##                                                                             
##    id_claim          claim_amount          claim_nb Lclaim_amount   
##  Length:12921       Min.   :     0.02   Min.   :1   Min.   :-3.912  
##  Class :character   1st Qu.:   114.43   1st Qu.:1   1st Qu.: 4.740  
##  Mode  :character   Median :   358.65   Median :1   Median : 5.882  
##                     Mean   :   989.46   Mean   :1   Mean   : 5.809  
##                     3rd Qu.:  1097.49   3rd Qu.:1   3rd Qu.: 7.001  
##                     Max.   :164858.62   Max.   :1   Max.   :12.013  
##                                                                     
##     drv_age1      drv_age_lic1    drv_sex1            drv_age2    
##  Min.   :19.00   Min.   : 1.0   Length:12921       Min.   : 0.00  
##  1st Qu.:43.00   1st Qu.:23.0   Class :character   1st Qu.: 0.00  
##  Median :54.00   Median :32.0   Mode  :character   Median : 0.00  
##  Mean   :54.34   Mean   :32.1                      Mean   :15.34  
##  3rd Qu.:65.00   3rd Qu.:41.0                      3rd Qu.:34.00  
##  Max.   :96.00   Max.   :67.0                      Max.   :97.00  
##                                                                   
##   drv_age_lic2      drv_sex2           drv_drv2             vh_age      
##  Min.   : 0.000   Length:12921       Length:12921       Min.   : 1.000  
##  1st Qu.: 0.000   Class :character   Class :character   1st Qu.: 3.000  
##  Median : 0.000   Mode  :character   Mode  :character   Median : 7.000  
##  Mean   : 8.788                                         Mean   : 7.618  
##  3rd Qu.:14.000                                         3rd Qu.:11.000  
##  Max.   :79.000                                         Max.   :59.000  
##                                                                         
##      vh_cyl         vh_din         vh_fuel            vh_make         
##  Min.   : 425   Min.   : 17.00   Length:12921       Length:12921      
##  1st Qu.:1397   1st Qu.: 70.00   Class :character   Class :character  
##  Median :1595   Median : 90.00   Mode  :character   Mode  :character  
##  Mean   :1688   Mean   : 96.49                                        
##  3rd Qu.:1975   3rd Qu.:111.00                                        
##  Max.   :5000   Max.   :510.00                                        
##                                                                       
##    vh_model         vh_sale_begin     vh_sale_end        vh_speed    
##  Length:12921       Min.   : 1.000   Min.   : 1.000   Min.   : 85.0  
##  Class :character   1st Qu.: 5.000   1st Qu.: 2.000   1st Qu.:160.0  
##  Mode  :character   Median : 9.000   Median : 6.000   Median :174.0  
##                     Mean   : 9.504   Mean   : 6.859   Mean   :174.2  
##                     3rd Qu.:13.000   3rd Qu.:10.000   3rd Qu.:188.0  
##                     Max.   :60.000   Max.   :53.000   Max.   :310.0  
##                                                                      
##    vh_type             vh_value        vh_weight      pol_bonus     
##  Length:12921       Min.   :   940   Min.   :   0   Min.   :0.5000  
##  Class :character   1st Qu.: 13250   1st Qu.:1010   1st Qu.:0.5000  
##  Mode  :character   Median : 18000   Median :1180   Median :0.5000  
##                     Mean   : 19385   Mean   :1169   Mean   :0.5426  
##                     3rd Qu.: 23500   3rd Qu.:1345   3rd Qu.:0.5000  
##                     Max.   :114900   Max.   :3060   Max.   :1.6500  
##                                                                     
##  pol_coverage        pol_duration   pol_sit_duration pol_pay_freq      
##  Length:12921       Min.   : 1.00   Min.   : 1.000   Length:12921      
##  Class :character   1st Qu.: 4.00   1st Qu.: 1.000   Class :character  
##  Mode  :character   Median : 9.00   Median : 2.000   Mode  :character  
##                     Mean   :10.91   Mean   : 2.651                     
##                     3rd Qu.:16.00   3rd Qu.: 3.000                     
##                     Max.   :41.00   Max.   :23.000                     
##                                                                        
##    pol_payd          pol_usage         pol_insee_code         DEP           
##  Length:12921       Length:12921       Length:12921       Length:12921      
##  Class :character   Class :character   Class :character   Class :character  
##  Mode  :character   Mode  :character   Mode  :character   Mode  :character  
##                                                                             
##                                                                             
##                                                                             
##                                                                             
##       REG         REG_LABEL         departement           densite     
##  Min.   :11.00   Length:12921       Length:12921       Min.   :   15  
##  1st Qu.:28.00   Class :character   Class :character   1st Qu.:   83  
##  Median :52.00   Mode  :character   Mode  :character   Median :  160  
##  Mean   :51.83                                         Mean   : 1147  
##  3rd Qu.:76.00                                         3rd Qu.:  253  
##  Max.   :94.00                                         Max.   :20720  
##                                                                       
##     bonus            drv_age1_G1    drv_age1_G2     drv_age1_G3  
##  Length:12921       (50,60]:3083   (50,55]:1641   (17,25] : 199  
##  Class :character   (40,50]:2819   (45,50]:1469   (25,45] :3686  
##  Mode  :character   (60,70]:2416   (60,65]:1453   (45,65] :6005  
##                     (30,40]:1913   (55,60]:1442   (65,80] :2503  
##                     (70,80]:1540   (40,45]:1350   (80,100]: 528  
##                     (20,30]: 598   (35,40]:1167                  
##                     (Other): 552   (Other):4399                  
##  drv_age_lic1_G   drv_age2_G1    drv_age2_G2     drv_age2_G3   drv_age_lic2_G
##  (-1,3] :   46   (30,40]:1004   (35,40]: 565   (17,25] : 468   (-1,3] :9023  
##  (3,5]  :   67   (40,50]: 790   (17,25]: 468   (25,45] :1697   (3,5]  : 127  
##  (5,100]:12808   (50,60]: 744   (30,35]: 439   (45,65] :1473   (5,100]:3771  
##                  (20,30]: 621   (40,45]: 433   (65,80] : 516                 
##                  (60,70]: 601   (50,55]: 392   (80,100]:  83                 
##                  (Other): 477   (Other):1940   NA's    :8684                 
##                  NA's   :8684   NA's   :8684                                 
##    vh_age_G1       vh_age_G2       vh_age_G3           vh_value_G1  
##  (-1,0] :   0   (-1,10] :9519   (10,100]:3402   (1e+04,2e+04]:6887  
##  (0,5]  :5350   (10,20] :3059   (1,2]   :1267   (2e+04,3e+04]:3877  
##  (5,100]:7571   (20,100]: 343   (0,1]   :1154   (-1,1e+04]   : 938  
##                                 (2,3]   :1091   (3e+04,4e+04]: 893  
##                                 (5,6]   : 977   (4e+04,5e+04]: 219  
##                                 (3,4]   : 970   (5e+04,6e+04]:  68  
##                                 (Other) :4060   (Other)      :  39  
##         vh_value_G2           vh_value_G3     risk_class      risk_class_G
##  (-1,5e+04]   :12814   (-1,1e+04]   : 938   Min.   :  1.496   1:2217      
##  (5e+04,1e+05]:  101   (1e+04,2e+04]:6887   1st Qu.:  4.718   2:2302      
##  (1e+05,Inf]  :    6   (2e+04,3e+04]:3877   Median :  5.385   3:2861      
##                        (3e+04,4e+04]: 893   Mean   :  8.608   4:2833      
##                        (4e+04,5e+04]: 219   3rd Qu.:  6.120   5:2708      
##                        (5e+04,Inf]  : 107   Max.   :180.565               
##                                                                           
##  vh_cyl_G  vh_make_G            Ldensite       Lvh_value        Lvh_weight   
##  1:5092   Length:12921       Min.   :2.708   Min.   : 6.846   Min.   : -Inf  
##  2:7829   Class :character   1st Qu.:4.419   1st Qu.: 9.492   1st Qu.:6.918  
##           Mode  :character   Median :5.075   Median : 9.798   Median :7.073  
##                              Mean   :5.285   Mean   : 9.789   Mean   : -Inf  
##                              3rd Qu.:5.533   3rd Qu.:10.065   3rd Qu.:7.204  
##                              Max.   :9.939   Max.   :11.652   Max.   :8.026  
##                                                                              
##     Lvh_cyl     
##  Min.   :6.052  
##  1st Qu.:7.242  
##  Median :7.375  
##  Mean   :7.400  
##  3rd Qu.:7.588  
##  Max.   :8.517  
## 

1- Etude de la frequence

## 
##       0       1       2       3       4       5 
## 0.87978 0.10806 0.01109 0.00097 0.00006 0.00004

a- Barplots

drv_age1

drv_age1_G1

drv_age1_G2

drv_age1_G3

drv_drv2

drv_age2

drv_age2_G1

drv_age2_G2

drv_age2_G3

drv_age_lic1

drv_age_lic1_G

drv_age_lic2

drv_age_lic2_G

vh_age

vh_age_G1

vh_age_G2

vh_age_G3

vh_cyl

vh_din

vh_fuel

vh_make

vh_make_G

vh_model

vh_type

vh_value

vh_value_G1

vh_value_G2

vh_value_G3

vh_weight

risk_class_G

pol_bonus

bonus

pol_payd

pol_coverage

pol_pay_freq

b- Plots mean vs var

2- Etude de la severite

##      Min.   1st Qu.    Median      Mean   3rd Qu.      Max. 
##      0.02    114.43    358.65    989.46   1097.49 164858.62

## character(0)

## [1] 0.150000000 0.004525166
## [1] 0.200000000 0.008143045
## [1] 0.25000000 0.01312342
## [1] 0.3000000 0.0197045
## [1] 0.3500000 0.0281318
## [1] 0.40000000 0.03873246
## [1] 0.45000000 0.05197627
## [1] 0.50000000 0.06827136
## [1] 0.55000000 0.08843136
## [1] 0.6000000 0.1135482
## [1] 0.6500000 0.1450381
## [1] 0.7000000 0.1841673
## [1] 0.7500000 0.2330407
## [1] 0.8000000 0.2960661
## [1] 0.850000 0.377503
## [1] 0.9000000 0.4869566
## [1] 0.9500000 0.6437917

3- Cartes